Personal Loan vs Bank Overdraft vs Loan Apps – Cheapest Option for Indians in 2025 (Full Guide)

Confused between personal loans, bank overdrafts, and loan apps? This 2025 Indian guide compares interest rates, charges, risks, real stories, pros & cons, and the cheapest option for your needs. 📌 Key Takeaways 📚 Table of Contents 🔍 1. Understanding the 3 Loan Types Before choosing between personal loan, bank overdraft, or loan apps, understand how each works. 🏦 Personal Loan A fixed amount loan from a bank/NBFC for 1–5 years with monthly EMIs. ✔…









